After a car crash, things move fast—and before you know it, the other driver’s insurance company might be calling you. But here’s the big question:
Should you talk to them at all?
The short answer? No—not without talking to a lawyer first.
Why the Other Driver’s Insurance Wants to Talk to You
Insurance companies aren’t just being friendly. They’re looking for ways to limit how much they’ll have to pay you. That’s their job. They may:
- Ask for a recorded statement
- Try to get you to admit fault (even partially)
- Push for a quick settlement
- Ask questions that seem harmless—but aren’t
Even saying something as simple as “I’m fine” or “I didn’t see them coming” can be used to reduce your claim.
You’re Not Required to Speak With Them
In Massachusetts, you’re not legally required to talk to the other driver’s insurance company. You should report the crash to your own insurer—but when it comes to the other side, you have the right to say: “Please speak with my attorney.”
Letting your lawyer handle communications protects you from saying something that could hurt your case.
Early Settlement Offers Are a Red Flag
If the other driver’s insurer quickly offers you money, it’s probably not a good thing. These early settlements are often lowball offers meant to close the case before you know the full extent of your injuries or losses.
Once you accept, you usually can’t go back—even if new medical bills come up.
Protect Yourself With Legal Support
Insurance adjusters are trained negotiators. You deserve someone on your side who knows how to deal with them.
At The Law Offices of Bailey and Burke, we handle the calls, the negotiations, and the paperwork so you don’t have to. We’ve helped countless crash victims get the compensation they actually deserve—not just what the insurance company offers.
Injured in a crash? Don’t talk to the other driver’s insurance until you talk to us.
